Frugal Tip Monday- How Being Lazy Can Cost You

I came across a great article from DailyWorth, a site that offers free financial advice for women. I was reading their recent article The Cost of Being Lazy and it really hit home. We are all somewhat lazy when it comes to our finances. Whether it be saving, spending too much, or just not taking care of the monthly necessitates. It can really add up "FAST". According to DailyWorth here are some examples of laziness that are done quite frequently.

1.Not finding the best rate for your savings account

2. Not opening a retirement fund ASAP

3. Not sending in your rebate offers

4. Waiting till the last minute to pay bill

and incurring late fees

5. Not negotiating a deal

For solutions on each topic please visit: Get Rich Slowly

Please feel free to let me know, what ways you are wasting money and if you have any solutions to turn things around.

Frugal Tip Monday- Money Saving Tips Video

I came across a great video on MSN about saving. Margie Read is a great example of someone that appreciates and understands the real nature of "frugal". Watch and tell me would you follow these tips or are they just a little too EXTREME?

Video Credit: MoneyTalkNews

Frugal Tip Monday-Tips for Dining on a Budget

Dining Out is America's past time, at least I know it's mine. Saving is key nowadays, so cutting back is key. By making some minor adjustments you will still be able to enjoy dining out while still watching the bank. According to FeedThePig here are some great tips on Dining on A Budget.

Avoid Appetizers; or, if out with friends, consider splitting one.

Eat dessert at home or share it with a friend to cut the cost.

Eat a snack before going out to dinner. You'll spend less if you aren't starving.

Drink water instead of other pricey beverages.

Use coupons for restaurants.

If you want to go out with a friend for a meal, try lunch instead of dinner - it's almost always cheaper.

If you're out and order a large meal, cut it in half before you start eating and take the other portion home. You'll have dinner for another night or lunch the next day.

If you have kids, find places that have kids-eat-free nights. This can quickly add up to big savings.

Photo Source: Healthwise.com

Fashion Tip 1-Monday Extended

As I mentioned in Fashion Tip Monday, budgeting can help control the impulse buys. Money and Style go hand in hand. No Finances, No Fashion it's that simple. Budget being the topic of conversation, I am going to share some tips and programs that will help make sense of your money.

Having to tighten up on our wallets are now the norm. Making conscious decisions on what we buy and how we spend has become a science. As women we have a chromosome within our body that is filled with the gene SPEND MONEY. It's just in our nature. But we can control how much and where we spend.

Creating a budget, where do you start.

1. Paying the priorities are first. Expenses First, Luxury later.

2. After the main bills are taken care of, you can start to see what is left over and plan for your luxuries.

Listed below are some programs that are great to help budget and control finances.

• Mint - The free, automatic, online way to manage your money is here!
• ElectricCheckBook - The fast and easy way to manage your checking, savings or credit card accounts
• Money2Manage -Lets you easily and efficiently manage your personal finances
• WalletProof -Walletproof is a quick and easy to use tool that enables you to track your spending and set monthly budgets for yourself
• Buxfer - Track shared expenses, split bills, and debts. Transfer money online and settle IOUs with friends/roommates.
• Rudder - Rudder is the only product that looks forward and determines how much you can spend today and still pay all your bills.
• Obopay - Use any mobile phone to get, send, or spend money. Text message, use your phone’s Internet browser, or download Obopay onto your phone.
• TextHog - Track your expenses online. Text your way to the bank.

I hope this is a help and Happy Budgeting.